Annual Report - Raiffeisen Bank Kosovo JSC
Annual Report - Raiffeisen Bank Kosovo JSC
Annual Report - Raiffeisen Bank Kosovo JSC
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Financial Statements<br />
14. Interest Income and Expense<br />
Year ended<br />
Year ended<br />
31 December 2006 31 December 2005<br />
Interest income<br />
Loans and advances to customers 30,295 20,855<br />
Due from other banks 2,808 1,012<br />
Total interest income 33,103 21,867<br />
Interest expense<br />
Term deposits (4,780) (2,656)<br />
Savings accounts (306) (183)<br />
Current accounts (403) (145)<br />
Borrowings (1,066) (70)<br />
Interest rate SWAP (31) -<br />
Other interest expense (1) (1)<br />
Total interest expense (6,587) (3,055)<br />
Net interest income 26,516 18,812<br />
15. Fee and Commission Income and Expense<br />
Year ended<br />
Year ended<br />
31 December 2006 31 December 2005<br />
Commission on settlement transactions 2,207 1,808<br />
Account service fees 593 475<br />
Fees for trade finance services 680 418<br />
Social and corporate payment fees 427 389<br />
Commission on ATM/POS related services 571 362<br />
Commission on cash withdrawals 45 4<br />
Other 2 1<br />
Total fee and commission income 4,525 3,457<br />
Correspondent bank charges (502) (536)<br />
Total fee and commission expense (502) (536)<br />
Net fee and commission income 4,023 2,921<br />
56<br />
www.raiffeisen-kosovo.com Supervisory Board Management Board Organisational Structure Vision and Mission RZB and RI .
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